Search found 1621 matches

by barrett
Sun May 09, 2021 7:03 pm
Forum: Other Discussions
Topic: Reasons why I will not be getting injected for the Wuhan
Replies: 695
Views: 16446

Re: Reasons why I will not be getting injected for the Wuhan

They've gotten perhaps 100s of millions to take a mystery injection that zero long term studies have been done on...............to fight the flu. They've got business and other organs of society ready to ostracize people who don't want to be part of the experiment. It's nuts. Mission accomplished n...
by barrett
Sun May 09, 2021 12:00 pm
Forum: Other Discussions
Topic: Reasons why I will not be getting injected for the Wuhan
Replies: 695
Views: 16446

Re: Reasons why I will not be getting injected for the Wuhan

This is an investing website (at least, it used to be), so I have to assume that most members are quite handy with numbers and wouldn't actually be talking about "billions" of people getting killed by a vaccine. Haven't read all the posts and links in this thread but is this really what we are talki...
by barrett
Thu May 06, 2021 7:03 am
Forum: Cash
Topic: New I-bond rate: 3.54%
Replies: 31
Views: 929

Re: New I-bond rate: 3.54%

Thanks jhogue, Vinny & Xan for all the details on how to do this and what some of the potential pitfalls are. Much appreciated. It seems like a bit of a song & dance getting these paper I-Bonds, but I really do like the simplicity of paper bonds for my wife's benefit if I should predecease her down ...
by barrett
Wed May 05, 2021 1:08 pm
Forum: Cash
Topic: New I-bond rate: 3.54%
Replies: 31
Views: 929

Re: New I-bond rate: 3.54%

jhogue,

Quick question...

Aren't you retired? If so, how are you pulling off the tax refund paper I-Bond deal each year? I think you've written that you overpay your tax. But that must be by thousands of dollars, right?
by barrett
Tue May 04, 2021 12:23 pm
Forum: Cash
Topic: New I-bond rate: 3.54%
Replies: 31
Views: 929

Re: New I-bond rate: 3.54%

I share the nostalgia for paper savings bonds. I can still remember going to the bank five years ago to redeem the last of my father-in-law's paper EE bonds.He had died long before, but left each of his adult children some EE's back in the day you could convert them to POD and get them re-issued in...
by barrett
Mon May 03, 2021 3:43 pm
Forum: Cash
Topic: New I-bond rate: 3.54%
Replies: 31
Views: 929

Re: New I-bond rate: 3.54%

Thanks for the reminder jhogue! Buying I-Bonds via Treasury Direct is on my to-do list for this week. As of today, one can now see the updated interest rates on their calculator that take that 3.54% inflation component into account. If I plug in 10/2021, I see a bunch of my I-Bonds purchased 20 year...
by barrett
Sat May 01, 2021 8:57 am
Forum: Other Discussions
Topic: Coronavirus General Discussion
Replies: 4313
Views: 292160

Re: Coronavirus General Discussion

I am wondering for those who lean toward the virus response has been overblown, what do you guys currently think of what's going on in Brazil and India? If we're looking for correlation - yes, both India and Brazil share a good deal of poverty. But the other thing they have in common is leadership....
by barrett
Thu Apr 29, 2021 3:30 pm
Forum: Other Discussions
Topic: Coronavirus General Discussion
Replies: 4313
Views: 292160

Re: Coronavirus General Discussion

I Shrugged wrote:
Thu Apr 29, 2021 1:31 pm
I went maskless in the grocery store today.
Shrugged is our resident wild man! Where will the madness stop???
by barrett
Thu Apr 29, 2021 11:39 am
Forum: Other Discussions
Topic: Coronavirus General Discussion
Replies: 4313
Views: 292160

Re: Coronavirus General Discussion

Well, it looks like the provisional death total for the US in 2020 is 3,358,814 according to the CDC. Link is here: https://www.cdc.gov/mmwr/volumes/70/wr/mm7014e1.htm As one would expect (assuming they have a pulse), COVID is way worse for older Americans. Of the total, 377,883 are categorized as C...
by barrett
Wed Apr 28, 2021 6:41 am
Forum: Permanent Portfolio Discussion
Topic: Golden Butterfly asset location when retired with RMDs
Replies: 43
Views: 1627

Re: Golden Butterfly asset location when retired with RMDs

If you don't have a lot of money in tax-deferred I guess you wouldn't need to worry so much about withdrawals kicking you into high tax brackets. Many of us though, will end up retiring stuffed to the gills in tax-deferred, and with little option but to make large withdrawals throughout retirement....
by barrett
Tue Apr 27, 2021 3:03 pm
Forum: Permanent Portfolio Discussion
Topic: Golden Butterfly asset location when retired with RMDs
Replies: 43
Views: 1627

Re: Golden Butterfly asset location when retired with RMDs

Roth IRAs are your friend. I want as much gains in there as possible!!! And, never simply withdraw from tax-deferred. Roth convert it and spend down taxable instead. I've set things up similar to Tyler in that our asset allocation in each type of account is roughly the same. But the argument that R...
by barrett
Sat Apr 24, 2021 9:07 am
Forum: Other Discussions
Topic: Reasons why I will not be getting injected for the Wuhan
Replies: 695
Views: 16446

Re: Reasons why I will not be getting injected for the Wuhan

The appetite for it among politicians and the citizens is just not there any more. Unfortunately that's not the case.... COVID cases in NY (real cases, not "positive tests") are now minimal, and have been for quite some time. And, most older adults who want to be vaccinated have been. But, many of ...
by barrett
Thu Apr 22, 2021 7:14 am
Forum: Permanent Portfolio Discussion
Topic: Golden Butterfly asset location when retired with RMDs
Replies: 43
Views: 1627

Re: Golden Butterfly asset location when retired with RMDs

Of course when we hit 70.5, the tax bills are going to come due. But supposedly all the years of deferral have made it worthwhile. Obviously tax rates can and do change. You probably know this and just forgot when posting, but the new age for RMDs is 72, not 70.5. This changed in either late 2019 o...
by barrett
Wed Apr 21, 2021 1:59 pm
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 1263

Re: Best Low Cost ETF for Cash

Just checked out the fixed income options at Fidelity and there's a AAA six-month corporate bond available with a yield of -1.09%!

Das ist ja mit der LANDWIRTSCHAFTLICHE RENTENBANK!

Might just nix all the good advice I get here and load up on these babies just to be on the safe side. O0
by barrett
Tue Apr 20, 2021 12:58 pm
Forum: Other Discussions
Topic: Where is Dualstow?
Replies: 7
Views: 332

Re: Where is Dualstow?

Don wrote:
Sat Apr 17, 2021 10:20 am
He might just be enjoying his bitcoin profits. :)
He's retired from the forum and is living like a king in Patagonia. O0
by barrett
Tue Apr 20, 2021 7:40 am
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 1263

Re: Best Low Cost ETF for Cash

@ barrett: -I like the idea of “re-loading”: I also switched from EE bonds to I bonds after our daughter graduated from college. So far, it seems like a workable plan. -In the short term, the upcoming minimum variable interest rate guarantees a minimum one year yield on 1 May 2022 of 1.77%. That be...
by barrett
Mon Apr 19, 2021 4:22 pm
Forum: Other Discussions
Topic: Coronavirus General Discussion
Replies: 4313
Views: 292160

Re: Coronavirus General Discussion

So saw the pulmonologist today .... I started trying to jog and my heart rate shoots up to 150 in two minutes time ..I would see that 35 minutes in to a run as I am ending 3 miles . She does not think it is a lung issue since we can walk miles and hills and do normal life stuff . She thinks the cov...
by barrett
Sun Apr 18, 2021 8:19 am
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 1263

Re: Best Low Cost ETF for Cash

mathjak107 wrote:
Sun Apr 18, 2021 8:08 am
Remember fdlxx is not a core , so buys , sells and bills still have to have money moved manually to the core. Kind of like from savings to checking would be
Thanks for that, MJ. Much appreciated!
by barrett
Sun Apr 18, 2021 7:11 am
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 1263

Re: Best Low Cost ETF for Cash

@ Barrett, My Cash is currently split as follows: 20% of Cash in tax exempt accounts (FDLXX in Roths) 18% of Cash in tax deferred accounts (FDLXX in T-IRA) 37% of Cash in tax deferred I-bonds 25% of Cash in taxable accounts (FDLXX in Fidelity brokerage) -I am currently holding more Cash than usual ...
by barrett
Sat Apr 17, 2021 9:46 am
Forum: Other Discussions
Topic: Where is Dualstow?
Replies: 7
Views: 332

Where is Dualstow?

Dualstow told us that he was going to be without Internet service for a few days. What gives? I think he may be on one of those retreats where no one is permitted to speak for three months, but that he really DOES have Internet and that he's keeping up with everything here. We just need to lure him ...
by barrett
Sat Apr 17, 2021 7:32 am
Forum: Cash
Topic: Best Low Cost ETF for Cash
Replies: 33
Views: 1263

Re: Best Low Cost ETF for Cash

@ ppnewbie: 1. Fluctuation in net asset value is fine for stocks, LTTs, and gold-- in fact, that is what the PP investor should want and expect from those volatile assets. Cash, though, is in the PP to create a pool of safe and liquid funds. A money market fund is designed for principal stability, ...
by barrett
Fri Apr 16, 2021 11:18 am
Forum: Other Discussions
Topic: Paging Tyler!
Replies: 16
Views: 948

Re: Paging Tyler!

Didn't realize we had a Luka Doncic thread on here! The Mavs absolutely have to get him a better supporting cast and soon. He and Porzingis have a great connection but Porzingis is too fragile for the long NBA season.
by barrett
Thu Apr 15, 2021 5:20 pm
Forum: Other Discussions
Topic: Coronavirus General Discussion
Replies: 4313
Views: 292160

Re: Coronavirus General Discussion

Haven't read the Atlantic article, Tortoise, but it seems that your common sense is functioning correctly. My common sense just tells me that the viral load is going to be quite low in the doorknob scenario. And I don't think I'm the first person to think that maybe repeated low-level exposure to a ...
by barrett
Thu Apr 15, 2021 7:37 am
Forum: Gold
Topic: Why isn't gold moving?
Replies: 43
Views: 2083

Re: Why isn't gold moving?

Gold does not respond to normal inflation well at all ..to many other factors effect it . But it does respond well to real return on cash going negative Agreed on the first point. Regarding the second, real returns on cash have been negative for quite a while now, right? Do real yields just need to...
by barrett
Mon Apr 12, 2021 12:28 pm
Forum: Stocks
Topic: Sell In May?
Replies: 5
Views: 536

Re: Sell In May?

There's an old adage for the stock market that says "Sell in May and walk away." Has anyone actually researched this to see if it's good advice? If it is, this might be a good time to rebalance the portfolio away from stocks. Never researched it but just found this 1950-2017 monthly S&P returns dat...